Personal Accident Insurance

We provide personal accident insurance at very competitive rates for a full range of occupations and professions offering financial protection against the effects of personal accident or accident and sickness preventing you from working.

What is personal accident insurance?

The personal accident insurance policy provides a short term, up to two years, solution to the financial consequences of a reduction in your income as a result of accident and up to one year in respect of temporary disability due to illness where sickness cover is added to a policy.

Who needs personal accident insurance?

Both the self employed and employers can benefit from the cover provided under a personal accident policy. For the self employed it is a valuable tool to ensure your own income in the event of inability to work as a result of accident or sickness.

For the employer, it can assist in protecting the cash flow of your business my mitigating the costs of paying wages and salaries to employees if they are unable to work. In this regard it can also be seen as a tool to reduce the possibility of an employers liability claim being made against the employer as a result of an injury sustained at work.

What is the benefit period under a personal accident policy?

The benefit period is the number of weeks that the weekly benefits under the policy is payable for. This can be set at a level to suit your requirements but normal limits are 6 months and 12 months up to a maximum of 24 months. If you require cover in respect of longer periods then permanent health insurance is probably a more appropriate product.

What is the excess period or deferment period under a personal accident policy?

The excess period or deferment period is the amount of time you must be unable to work as a result of accident or illness before a claim becomes payable under the policy. Periods of 14 or 21 days are common under contracts but selecting a longer period can help you control premiums.

The difference between the excess period and the deferment period is that the deferment period simply delays the start of the benefit period whereas the excess period reduces the benefit period by the amount of the excess period.

What is covered under a personal accident policy?

Death: As a result of accidental bodily injury, death from natural causes is not normally covered under a personal accident policy.

Permanent Total Disablement: Payable in the event of the policyholder being permanently unable to undertake their normal job following a severe accident, this cover may be limited to the inability to undertake any job

Loss of limb. sight, speech or hearing: A single payment as a result of a serious accident or injury as defined

Permanent Partial Disablement: A single payment payable as a result of a serious but less significant injury such as the loss of fingers or toes.

Temporary Total Disablement: Payable when the insured person is unable to work as a result of an insured accident. This is a weekly benefit and is designed to mitigate the effects of loss of salary and wages. The inclusion of sickness cover under a personal accident policy is an extension of this cover.

Temporary Partial Disablement:Payable when the insured person is unable to fully undertake their usual duties and is paid as a proportion of the weekly benefit paid under temporary total disablement.

What are the benefits payable under a personal accident policy?

The benefits in respect of temporary total disablement and temporary partial disablement are payable as weekly benefits at a level of your choosing. The insurer will restrict these benefits to, generally, 75% of weekly take-home pay.

The other benefits are payable as a lump sum and once again the limits are decided by you. As with other insurances, Insurers may query the reasons for “excessive” benefit levels under a policy.

What are the operative times under a personal accident policy?

You can actually arrange a personal accident policy to apply only at certain times. By far the most common times are 24 hour cover, which speaks for itself or during the course of your occupation only. Clearly 24 hour cover provides you with the widest level of protection and is of course more costly than policies with restricted operative hours.

How much is personal accident insurance?

The premium under a personal accident policy is quoted as an annual premium. The premium you pay will depend on certain key factors including your age, your occupation, whether you are engaged in any dangerous sports or activities, your previous claims record, the operative times of the policy and the level of benefit you select.

How can I buy personal accident insurance?

You can apply on-line or alternatively you can call us direct to discuss your requirements either for your own personal accident insurance or a group scheme for employees.

Personal Accident Insurance Quote

Your Name (required)

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Your Address

Your Postcode

Your Telephone

Date of Birth

Your Height(m) Your weight Weight

Sum Payable in respect of Death, Loss of Sight, Loss of Limb or Permanent Total Disablement

Weekly Benefits Required

Gross Weekly Pay Net Weekly Pay

Do you wish to be covered for the following risks;Winter SportsSkin/Scuba DivingRock ClimbingPotholingHang Gliding or parachutingHunting on HorsebackCompetitive DrivingRiding MotorcyclesAir Travel Other than as a passengerFootballRugbyDangerous Pastimes

Do you suffer from defective hearing or vision?

Have you ever suffered from hernia, lower back strain, disc lesion or any other physical defect of a chronic or recurring nature?

Have you ever suffered from any heart condition, hypertensions, varicose veins, nervous condition, alcoholism, drug addiction or other illness, weakness of a chronic or recurring nature?

Have you undergone, or do you have any reason to believe you may need to undergo a surgical operation?

Have you had accidents or illness have prevented you from working for a period of more than 14 days in the last three years?

Are you generally in good health?

Have you ever had special terms imposed on you, or had any insurance cancelled by any insurer?